The Subaru Outback is a compact crossover SUV that first debuted in the U.S. in 1995 and was branded as the "World's First Sport Utility Wagon." The 2026 Outback combines function with tech and features 8.7-9.5" of ground clearance, EyeSight safety technology, and a 12.1" infotainment screen. No matter which type of Subaru Outback you drive, it needs to be protected with the right car insurance.
When it's time to find the best Subaru Outback insurance, an independent insurance agent can assist you. These agents know where to get the right Subaru insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Subaru Outback by model year and top-rated insurance company in 2026.
Key Takeaways - Subaru Outback Car Insurance
Subaru Outback insurance costs an average of $1,958 per year, or approximately $163 per month, for full coverage in 2026.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Subaru Outback insurance.
Subaru Outback insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $168.
American Family, Nationwide, and Progressive are the cheapest carriers for model-year 2025 Subaru Outback insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Subaru Outback model.
What Is Subaru Outback Insurance?
Subaru Outback insurance is a specialized car insurance policy that includes customized coverage for your specific vehicle. As a compact crossover SUV, the Outback may require additional coverage beyond that needed by standard sedans. However, the Outback's average car insurance rates trend cheaper than those for other SUVs.
Recommended coverage options for Subaru Outback drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
Add-on coverage options worth considering for a Subaru Outback:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you have a new or financed Subaru vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Subaru warranty insurance: This can extend Subaru's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Subaru parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
Your state likely requires several types of auto insurance by law. Drivers can avoid fines and other state penalties by securing at least the minimum required coverage. A local independent insurance agent knows exactly which types of coverage are required for a Subaru Outback.
How Much Does Subaru Outback Insurance Cost?
The average cost of car insurance for a Subaru Outback is $1,958 per year, or approximately $163 per month, for full coverage. Minimum coverage for a Subaru Outback costs an average of $1,015 annually, or approximately $85 monthly. However, several factors can influence the cost of Subaru insurance, including:
- The specific type of Outback you drive
- The types and amount of coverage you need
- Vehicle safety features
- Your credit score (where allowed)
- Your driving history
- Annual mileage
- Your claims history
- Your location
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Subaru Outback full coverage insurance or a basic Subaru Outback liability insurance policy.
Is the Subaru Outback Expensive to Insure?
Yes and no. While the Subaru Outback is slightly more expensive to insure than other Subaru models, it's cheaper than other SUVs. The table below compares average auto insurance rates for the Subaru Outback with those for all Subarus and other SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Subaru Outback | $163 |
| All Subarus | $159 |
| All SUVs | $184 |
Average Subaru Outback Insurance Rates Compared to Similar Vehicles
The Subaru Outback isn't expensive to insure when compared to many other vehicles in its class. The Outback's average monthly auto insurance rate is essentially the same as that of the GMC Terrain, the Nissan Pathfinder, and the BMW X3. The table below compares the Subaru Outback's average auto insurance premiums to those of similar vehicles in its class.
| Vehicle | Average Monthly Cost of Car Insurance |
| Nissan Armada | $123 |
| GMC Yukon XL | $123 |
| Subaru Tribeca | $124 |
| Subaru Outback | $124 |
| GMC Terrain | $124 |
| Nissan Pathfinder | $124 |
| BMW X3 | $124 |
Subaru Outback Insurance Costs by Model Year
Next, we'll break down several model years of the Subaru Outback and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Subaru Outback* | $1,495 |
| 2025 Subaru Outback | $1,206 |
| 2024 Subaru Outback | $957 |
| 2023 Subaru Outback | $697 |
| 2022 Subaru Outback | $608 |
| 2021 Subaru Outback | $591 |
| 2020 Subaru Outback | $629 |
| 2019 Subaru Outback | $620 |
| 2018 Subaru Outback | $594 |
| 2017 Subaru Outback | $699 |
| 2016 Subaru Outback | $502 |
| 2015 Subaru Outback | $544 |
| 2014 Subaru Outback | $429 |
| 2013 Subaru Outback | $418 |
| 2012 Subaru Outback | $464 |
| 2011 Subaru Outback | $626 |
| 2010 Subaru Outback | $514 |
*Note: The 2026 Outback's average rate is a projection based on the evaluation of inflation trends and current market data.
Cheapest Subaru Outback Car Insurance Companies for 2026
Several different auto insurance carriers offer affordable Subaru Outback insurance. These top-rated Subaru car insurance companies provide the cheapest model-year 2025 Outback insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,293 |
| Nationwide | $1,449 |
| Progressive | $1,556 |
| Erie | $1,582 |
| USAA | $1,739 |
| Allstate | $2,771 |
Subaru Outback Car Insurance Rates by State
Your location greatly influences the cost of car insurance. Here are some average auto insurance rates for the Subaru Outback by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $69 | $130 |
| Alaska | $59 | $126 |
| Arizona | $98 | $183 |
| Arkansas | $65 | $146 |
| California | $82 | $165 |
| Colorado | $78 | $187 |
| Connecticut | $117 | $201 |
| Delaware | $117 | $197 |
| Florida | $107 | $245 |
| Georgia | $125 | $205 |
| Hawaii | $43 | $98 |
| Idaho | $45 | $91 |
| Illinois | $77 | $143 |
| Indiana | $54 | $106 |
| Iowa | $45 | $108 |
| Kansas | $59 | $137 |
| Kentucky | $107 | $180 |
| Louisiana | $168 | $355 |
| Maine | $42 | $87 |
| Maryland | $128 | $215 |
| Massachusetts | $85 | $180 |
| Michigan | $121 | $233 |
| Minnesota | $68 | $139 |
| Mississippi | $72 | $144 |
| Missouri | $101 | $200 |
| Montana | $59 | $140 |
| Nebraska | $61 | $138 |
| Nevada | $147 | $266 |
| New Hampshire | $57 | $101 |
| New Jersey | $139 | $229 |
| New Mexico | $68 | $151 |
| New York | $100 | $181 |
| North Carolina | $66 | $130 |
| North Dakota | $48 | $105 |
| Ohio | $62 | $120 |
| Oklahoma | $75 | $166 |
| Oregon | $100 | $176 |
| Pennsylvania | $71 | $164 |
| Rhode Island | $104 | $185 |
| South Carolina | $85 | $159 |
| South Dakota | $43 | $129 |
| Tennessee | $64 | $129 |
| Texas | $106 | $217 |
| Utah | $91 | $155 |
| Vermont | $36 | $85 |
| Virginia | $79 | $129 |
| Washington | $76 | $140 |
| West Virginia | $73 | $148 |
| Wisconsin | $52 | $115 |
| Wyoming | $31 | $95 |
Average Subaru Outback Insurance Rates by Trim Level
Your vehicle's specific trim level can also affect Subaru Outback insurance premiums. Here are some average Subaru Outback car insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Limited Sedan 4d | $61 | $117 |
| LL Bean Wagon 4d | $62 | $120 |
| Sedan 4d | $65 | $125 |
| H6 Wagon 4d | $65 | $125 |
| 2.5i Touring Wagon 4d | $68 | $131 |
| Wagon 4d | $70 | $135 |
| LL Bean Edition Wagon 4d | $71 | $137 |
| VDC Wagon 4d | $73 | $140 |
| 3.6r Touring Wagon 4d | $73 | $142 |
| H6 Sedan 4d | $74 | $142 |
| VDC Sedan 4d | $75 | $143 |
| 2.5i Wagon 4d | $77 | $148 |
| 2.5i Premium Wagon 4d | $78 | $149 |
| H6 35th Anniversary Wagon 4d | $78 | $151 |
| Limited Wagon 4d | $79 | $153 |
| 3.6r Limited Wagon 4d | $79 | $153 |
| Outback | $79 | $154 |
| 3.6r Premium Wagon 4d | $80 | $153 |
| 3.6r Wagon 4d | $80 | $155 |
| Onyx Edition Wagon 4d | $81 | $158 |
| H6 LL Bean Edition Wagon 4d | $82 | $157 |
| 2.5i Limited Wagon 4d | $84 | $161 |
| Premium | $85 | $165 |
| H6 VDC Sedan 4d | $85 | $164 |
| H6 VDC Wagon 4d | $86 | $165 |
| 2.5i Basic Wagon 4d | $86 | $165 |
| 3.0 R Sedan 4d | $89 | $171 |
| Premium Wagon 4d | $89 | $173 |
| 3.0 R LL Bean Edition Wagon 4d | $92 | $177 |
| 2.5 XT Wagon 4d | $93 | $179 |
| Basic Wagon 4d | $93 | $180 |
| Limited XT Wagon 4d | $97 | $188 |
| Onyx Edition XT Wagon 4d | $97 | $188 |
| Onyx Edition | $98 | $190 |
| 2.5 XT Limited Wagon 4d | $99 | $191 |
| Touring Wagon 4d | $100 | $193 |
| Limited | $100 | $194 |
| 2.5i Limited Sedan 4d | $100 | $192 |
| Touring XT Wagon 4d | $100 | $194 |
| 3.0 R VDC Limited Wagon 4d | $101 | $194 |
| 3.0 R Wagon 4d | $102 | $196 |
| Wilderness Wagon 4d | $103 | $200 |
| 3.0 R LL Bean Edition Sedan 4d | $103 | $199 |
| 3.0 R Limited Wagon 4d | $105 | $203 |
| Onyx Edition Xt | $106 | $206 |
| Wilderness | $108 | $210 |
| Limited XT | $108 | $210 |
| Touring | $109 | $212 |
| Touring XT | $115 | $224 |
Average Subaru Outback Insurance Rates by Driver Age and Profile
A driver's age, driving history, and credit can also impact the cost of car insurance for a Subaru Outback, just like any other vehicle. Teens and young drivers pay the highest average insurance rates for a Subaru Outback. Auto insurance premiums tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, car insurance rates begin to climb through their senior years. Here are some average Subaru Outback insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $5,975 | $8,735 | $10,204 |
| 20 | $4,557 | $6,731 | $7,878 |
| 25 | $2,695 | $3,926 | $4,635 |
| 30 | $2,101 | $3,066 | $3,589 |
| 35 | $1,962 | $2,868 | $3,348 |
| 40 | $1,913 | $2,782 | $3,269 |
| 45 | $1,842 | $2,698 | $3,184 |
| 55 | $1,715 | $2,444 | $2,894 |
| 65 | $1,785 | $2,576 | $3,007 |
| 75 | $2,185 | $3,256 | $3,803 |
Best Subaru Outback Insurance Discounts: How to Lower Your Subaru Outback Insurance Premiums
Want to save even more money on Subaru Outback insurance? Just try any of these easy steps to potentially increase your savings today:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Subaru may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Subaru Outback insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Subaru Outback insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Subaru Outback insurance from a trusted carrier near you.
Local independent insurance agents know which carriers offer the cheapest, quality Subaru Outback insurance in your area. They also know more strategies that can increase your savings even further.
An Independent Insurance Agent Can Help You Get the Best Subaru Outback Insurance Quotes
When it's time to find the most affordable Subaru Outback insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Subaru Outback insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Subaru Outback Insurance
How much does Subaru Outback insurance cost per year?
The average annual cost of full coverage for a Subaru Outback is $1,958 per year, or approximately $163 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Subaru Outback insurance premiums?
Having poor credit, accidents or traffic violations on your record, prior car insurance claims, and living in a high-theft rate area can all increase the cost of Subaru Outback insurance.
Is the Subaru Outback expensive to insure?
No, the Subaru Outback isn't expensive to insure when compared to similar vehicles in its class, including the GMC Terrain, the Nissan Pathfinder, and the BMW X3.
What are the best and cheapest carriers for Subaru Outback insurance in 2026?
We found that American Family, Nationwide, and Progressive are the best and cheapest car insurance companies for model-year 2025 Subaru Outback insurance this year.
Is insurance cheaper for the Subaru Outback than for other Subarus?
No, the Outback's average monthly car insurance rate of $163 is higher than the $159 average for other Subaru vehicles.
How can I get cheaper Subaru Outback insurance?
Finding cheaper Subaru Outback insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/subaru-outback-insurance/
https://www.insuranceopedia.com/auto-insurance/subaru-outback-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/subaru/outback/